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SIP Calculator

Goal-based SIP investment planner. Calculate exactly how much monthly SIP is required to reach 1 crore, or track your current mutual fund returns.

Calculate returns on a regular monthly investment

Nifty 50 historical avg ≈ 12–14%

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Author's Insight

"Accumulation alone brings suffering. We calculate SIPs to understand the math of compounding, but remember: money is just a flow. The true purpose of wealth is 'dan' (non-selfish giving). Redirecting wealth to where it is needed is the ultimate compounding of Karma."

What is a SIP?

A Systematic Investment Plan (SIP) is a method of investing a fixed amount in a mutual fund at regular intervals — usually monthly. SIPs leverage rupee cost averaging: you buy more units when markets are low and fewer when markets are high, smoothing out the impact of volatility over time. This makes SIPs one of the most accessible wealth-building tools for salaried Indians.

How Does a Step-Up SIP Work?

A step-up SIP (or top-up SIP) increases your monthly investment by a fixed percentage each year. For example, starting at ₹5,000/month with a 10% step-up means ₹5,500 in year 2, ₹6,050 in year 3, and so on. Over 20 years, this can more than double your final corpus compared to a flat SIP — making it one of the most powerful tools to counter salary increments keeping pace with inflation.

SIP vs Lumpsum: Which is Better?

Neither is universally better — it depends on your cash flow. SIP wins during volatile, uncertain markets because rupee cost averaging smooths your entry price. Lumpsum wins during clear market lows, as all your money starts compounding immediately. For most salaried investors, SIP is more practical; for those with a bonus or inheritance, lumpsum during a correction can be very rewarding. Use both modes of this calculator to compare side-by-side.

Common Questions

How much monthly SIP is required to get 1 Crore in 10 years?+

Assuming a conservative 12% annual return on equity mutual funds, you need a monthly SIP of roughly ₹43,500 to reach ₹1 Crore in 10 years. If you extend your time horizon to 15 years, the monthly amount drops significantly to just ₹20,000.

What is a goal-based SIP investment planner?+

A goal-based SIP calculator helps you reverse-engineer your financial goals (like a house down payment or retirement corpus). By entering your target amount and expected return, it estimates the exact monthly Systematic Investment Plan (SIP) required.

What is a SIP calculator?+

A SIP (Systematic Investment Plan) calculator estimates the future value of your regular monthly investments in mutual funds based on the expected annual return rate and investment period.

What return rate should I use for SIP calculations?+

The Nifty 50 index has historically returned around 12–14% annually over long periods. For a conservative estimate, use 10–11%. For equity mutual funds, 12% is a commonly used benchmark for planning purposes.

What is a step-up SIP?+

A step-up SIP (also called a top-up SIP) increases your monthly investment amount by a fixed percentage every year. For example, starting with ₹5,000/month and a 10% step-up means you invest ₹5,500 in year 2, ₹6,050 in year 3, and so on. It helps counter inflation and builds wealth faster.

What is the difference between SIP and lumpsum?+

SIP is investing a fixed amount every month — it averages out your purchase cost (rupee cost averaging). Lumpsum is investing the entire amount at once. SIP is generally preferred for salaried individuals; lumpsum works better when you have a large amount ready to invest during market corrections.

Is the SIP return calculation accurate?+

The calculator uses the standard XIRR-equivalent compounding formula assuming monthly compounding and fixed returns. Actual mutual fund returns vary based on market conditions. Use it for planning, not as a guarantee.

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Apoorv

Software Engineer & Creator of CalcHub. Exploring finance, health, and mathematics from first principles to help you uncover objective reality.

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